Do applicants prefer visiting a paramedical service center for the exam? Why?

Your applicants made an important decision to protect the ones they love, and ExamOne wants to make the application and examination process as quick and easy as possible. As part of that commitment, ExamOne offers your applicants the convenience of real-time appointment scheduling and a choice of the most extensive national network of paramedical service centers or a traditional exam at their home or workplace.

With access to more than 200 ExamOne paramedical service centers and over 700 Quest Diagnostics® Patient Service Centers, your applicants can fit an exam into their busy day at the location that is most convenient for them. Our paramedical service centers provide a positive applicant experience in a professional, stress-free setting. Additionally, paramedical service center exams eliminate errors related to delayed centrifugation since specimens are centrifuged immediately.

What is the advantage of an electronic ID slip and electronic Part II?

There are numerous advantages for you and your applicants when choosing to complete the forms electronically. In addition to a more tedious experience for your applicants, the outdated process of completing paperwork has a higher risk of inaccuracy due to illegibility or missed information, as well as a higher risk of security breach. Our electronic process ensures an enhanced experience for you and your applicants:

  1. Data integrity: Prior to the paramedical exam, the Examiner app is pre-populated with information collected during the health history interview and from our ordering system to eliminate redundancy during the exam. In fact, 70% of the lab slip is pre-prepopulated with information from our ordering system. To ensure orders are in good order, the app notifies examiners when required fields are missing.
  2. Security: All iPads are corporately owned and equipped with granular controls that restrict apps and setting changes. Our mobile device management system mandates settings like auto-lock to ensure maximum security.
  3. Professionalism: With real-time communication and electronic signature capabilities, iPads provide a modern, more professional experience for your applicants.

How does ExamOne obtain feedback on the exam process? How does ExamOne use this feedback?

We are committed to putting your applicants first and ensuring they have a smooth, positive experience throughout the life insurance application process. In order to know exactly what your applicants think, we’ve created an applicant survey that provides applicants a way for their voices to be heard. The survey is conveniently accessible via, as well as our online lab results program, Inside Look Online. Our quality assurance department reviews survey responses daily and uses them to determine whether adjustments to any of our processes are needed. We routinely receive positive feedback about our exam process and about Inside Look Online.

Please join us for an interactive, one-hour webinar as two of our laboratory leaders, Betsy Sears and Dr. Jim Palmier, discuss current laboratory test interpretations, new tests on the horizon and how predictive modeling tools like Risk IQ are helping underwriters make more precise decisions.

  • Trend 1: Companies using  predictive modeling (Risk IQ) to more precisely and fairly underwrite applicants
  • Trend 2: More effectively detecting diabetics and pre-diabetics
  • Trend 3: Catching chronic disease states
  • Trend 4: Drugs of Abuse panels that help identify drug abuse in the insurance population
  • Trend 5: Using analytics to detect irregularities in the underwriting process
  • Trend 6: Using data to accurately assess an applicant’s past medical history: QuestCheck

Betsy Sears, Executive Vice President, Laboratory Strategy and Sales, will discuss recent upgrades to the standard life insurance testing profile and share how one company is using this data to improve mortality.

Next, Dr. Palmier, Vice President and Medical Director, will discuss some of the biggest concerns facing our industry, including medical non-disclosure, applicant fraud, and how insurers are using new tools to protect their bottom line.


Date: Tuesday, August 9, 2016
Time: 1:00 PM CST
Who should attend: Underwriters, reinsurers, actuaries

Register Now


betsy headshot

Betsy Sears
Executive Vice President, Laboratory Strategy and Sales

Betsy has almost 30 years of experience in the insurance laboratory environment. She works closely with ExamOne’s laboratory operations, research and development, and medical and sales staff on client end-to-end strategic solutions, and supports insurance customers through a variety of presentations on laboratory, medical and risk assessment topics.

Prior to joining ExamOne, Betsy served as Vice President and Laboratory Director of Osborn Laboratories for 14 years. She also has over 11 years of experience in clinical and hospital laboratory settings in New York City and Chicago, specializing in microbiology.

Betsy earned her B.S. degree in Medical Technology from the University of Missouri – Kansas City and her Master’s degree in Business Management from Baker University.

PalmierJim Palmier, MD, MPH, MBA, CEBS
Vice President and Medical Director

Dr. Jim Palmier’s career path has taken him from being a practicing clinician to a managing physician, and ultimately to a senior executive in the corporate healthcare space. He practiced Emergency Medicine at the Medical Center of Delaware, and did his fellowship in Occupational Medicine at Johns Hopkins School of Hygiene and Public Health.

His first major foray into corporate medicine was in the early 1990s at Mobil (now ExxonMobil), where he oversaw numerous medical clinics at the refinery and chemical plants near Beaumont, Texas. As Medical Director for ExamOne, Dr. Palmier oversees medical affairs, laboratory testing, research and development, and paramedical services. His focus on informatics and data-driven insights help the company to continue to create innovative solutions that solve real-world problems and drive shareholder value.

Dr. Palmier obtained a Master’s degree in Business Administration from the Wharton School of the University of Pennsylvania and a Master of Public Health (MPH) at the Johns Hopkins University School of Hygiene and Public Health, and earned his Doctor of Medicine from the State University of New York – Upstate Medical Center. He is residency-trained and board-certified by the American Boards of Emergency and Preventive Medicine.

Committed to excellence every day — our ExamOne examiners

July 19, 2016 Examiners

An important component of applying for life insurance is the paramedical exam required for many policies. ExamOne strives to make this step in the process of protecting one’s family an easy, convenient and pleasant experience. Because of the vital role our examiners play in this journey, we seek team members who provide an excellent experience for […]

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Three things to consider when evaluating your underwriting requirements

July 8, 2016 Carriers

As some in our insurance industry look to supplement laboratory testing with other forms of applicant information or attempt to save costs by eliminating laboratory testing completely from the underwriting process, other companies are concerned about the potential increased mortality risk and unsure what the right mix is for them. We understand this dilemma. Our analytics […]

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Committed to a positive experience for clients and applicants

July 8, 2016 #Committed2 You

At ExamOne, our employees are committed to being a premier service provider to life insurers, while creating a positive experience for those taking the important step of protecting their families with life insurance. Each year, we recognize the hardworking employees who have been leaders in demonstrating this commitment. The 2015 Regional Account Manager of the […]

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We’re committed to providing an excellent user experience on

July 7, 2016 #Committed2 You

This month we celebrate an exciting milestone: our 1-millionth online order at the portal. This impressive number is a testament to the success of the tool we introduced to the industry in 2014. A big thank you to all of our customers and users who helped us reach this landmark. Pete Warchola, Product Manager […]

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Incorporating ScriptCheck into your Final Expense underwriting process

July 5, 2016 Carriers

Why are insurers using Final Expense? Today, there are more than 35 million Americans age 65 and older. That includes 10,000 Baby Boomers who turn 65 every day and this trend will continue for at least 15 more years.[i]  Additionally, there are 95 million Americans who do not have life insurance[ii], and approximately 36 million […]

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Applicants first, new fiduciary rules and responsibility: looking toward the future

June 15, 2016 Carriers

The Labor Department recently finalized a fiduciary rule that will hold anyone who provides investment advice to a fiduciary standard and mandates these advisers must put their clients’ interests first. It stipulates that an adviser must place his or her interests below that of a client. It consists of a duty of loyalty and care. […]

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Make prevention a priority

June 13, 2016 Applicants

This June, we’re committed to raising awareness about men’s health. Many serious health conditions can be prevented or detected early with regular checkups. Below are some of the regular screenings recommended for men1: High blood cholesterol – Regular testing is recommended for men over 35. High blood cholesterol increases chances for heart disease, stroke, and poor […]

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Committed to protecting the life we’re building

June 7, 2016 #Committed2 You

When my husband and I became engaged, all the usual planning questions began racing through my head. What venue should we choose? What kind of flowers do I want? And – most importantly – how many cake flavors can I have? We also made dates to sit down and talk through our current financial situation […]

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